509 W 4th St, Duluth, MN 55806 Property Records

St. Louis County property record for 509 W 4th St, Duluth, MN 55806

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	5 bd · 4 ba · 1,546 sqft · built 1884
Lot Size	0.258 acres (11,256 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Mar 2024)
Tax Bill	$5,914 (2026)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Mar 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-1270-03610`

Property Details

APN / Parcel Number

Primary APN	`010-1270-03610`
Alternative APNs	`1069672` `1163466`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,546 sqft Gross Area
1st Floor Area	983 sqft
Basement Area	700 sqft
Finished Basement	700 sqft

Exterior

Year Built	Built 1884
Effective Year Built	Effective 1884
Architectural Style	Duplex Single
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	11,256 sqft (0.258 acres)
Garage Area	240 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	150 sqft
Deck Area	32 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1163466
Street Address	509 W 4TH ST
City	DULUTH
State	MN
Zip	55806-2407
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	WESTERLY 12 1/2 FEET OF LOT 83, ALL OF LOT85, THE SOUTHERLY 50 FEET OF LOT 86, E1/2 OFE1/2 OF LOT 87, AND SOUTHERLY 10 FEET
Legal Subdivision	DULUTH PROPER
Legal Block	47
Legal Lot Number	83
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2016
Census Tract	1800

Owner

509 W 4th St, a residential property, is owned by an individual who bought it in March 2024.

Source: St. Louis County records, as of August 20, 2026

Owner of Record	Individual Name on File
Mailing Address	1450 SHILHON RD, DULUTH, MN 55804-9642
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2024	Warranty Deed, Transfer · Commercial Mortgage BREMER BANK NA
Mar 29, 2023	Deed of Trust, Mortgage CITY OF DULUTH
Jun 20, 2022	Warranty Deed, Transfer NORTH SHORE TITLE
Dec 31, 2019	Warranty Deed, Construction Loan · Construction Mortgage IRENE MATLIN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 19, 2024 · Amount on File
Deed Sale	Mar 19, 2024 · Amount on File
Prior Sale	Jun 20, 2022 · Amount on File
Deed Document Number	20241484721
Record Updated	Sep 20, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 19, 2024
Property Address	509 W 4TH ST, DULUTH, MN 55806-2407
Document Number	0001484721
Instrument Date	Mar 12, 2024
Instrument	1484721
Transaction Type	Transfer
Record Updated	Apr 8, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,815.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1450 SHILHON RD, DULUTH, MN 55804-9642

Mortgage

Document Number	0001484722
Date	Mar 19, 2024
Instrument	1484722

Lender

Name	BREMER BANK NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	61 Months
Due	Apr 1, 2029

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	509 W 4TH ST, DULUTH, MN 55806-2407
Transaction Type	Mortgage
Record Updated	May 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001464033
Date	Mar 29, 2023
Instrument	1464033

Lender

Name	CITY OF DULUTH
Type	Government Agency

Agreement

Amount	Amount on Record

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 20, 2022
Property Address	509 W 4TH ST, DULUTH, MN 55806-2407
Document Number	0001445655
Instrument Date	Jun 3, 2022
Instrument	1445655
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount on Record
Tax	$134.97
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1450 SHILHON RD, DULUTH, MN 55804-9642

December 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 31, 2019
Property Address	509 W 4TH ST, DULUTH, MN 55806-2407
Document Number	00A1370515
Instrument Date	Nov 26, 2019
Instrument	A1370515
Transaction Type	Construction Loan
Record Updated	Nov 17, 2020
Title Company	PIONEER ABSTRACT AND TITLE COMPANY INC, PIONEER ABS & TITLE CO INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$264.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	509 W 4TH ST DULUTH MN 558062407, DULUTH, MN 55806-2407
Investor	Possibly a Property Investor

Mortgage

Document Number	A1370516
Date	Dec 31, 2019
Instrument	A1370516

Lender

Name	IRENE MATLIN
Address	1101 W MINERAL AVE # 101, LITTLETON, CO 80120-4513

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Dec 30, 2020

Tax Assessment & Valuation

The 2026 property tax bill for 509 W 4th St was $5,914, up 14.6% from the year before.

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,914.00 (+14.61%)
2025	$5,160.00	$363,600 (+18.4%) Land $83,500 Building $280,100	$363,600 (+18.4%) Land $83,500 Building $280,100
2024		$307,100 Land $67,200 Building $239,900	$307,100 Land $67,200 Building $239,900
2023	$2,096.00
2022		$98,900 Land $60,900 Building $38,000	$98,900 Land $60,900 Building $38,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 509 W 4th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 509 W 4th St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Duluth serves 86,859 people · EPA ID MN1690011
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	8 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Oct 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 357 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Airfiber, AT&T, Fidium Fiber.

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